Galactic Advisors

Cyber Insurance

Your Smallest Clients Are the Biggest AI Risk

Let me tell you how this all started.  Someone asked me—half joking, half serious—why we added an Acceptable Use of AI Policy Builder to Cyber Liability Essentials, our lowest-tier product.  Why not put it in the high-end package and charge ...

Why “It Depends” Could Cost You Millions in a Cyber Lawsuit

Engineers want answers like “yes,” “no,” or probability = 0.73. Lawyers keep saying, “It depends.” Annoying? Absolutely. But it’s also the only honest answer in a system built on interpretation—not equations. And if you think that uncertainty can’t take down ...

Will Your Cyber Insurance Actually Pay Out?

I was on a call with a client when the million-dollar question dropped: “What steps can I take to guarantee my ...

My Run-In with a Cyber Insurance Agent: What I Learned About Getting Paid

I spend a ton of time in green rooms. You know, those backstage holding pens where you sit before going on stage. The other day, I was getting ready to give a talk on cyber insurance, and guess who was ...

If You Got Phished Right Now, Would Insurance Cover You—Or Would You Be Paying for the Loss?

Most business leaders assume they’re covered. They assume their business interruption insurance will step in.  Then the nightmare begins.  The fraudulent payment is gone. The bank won’t reverse it.  Then they realize critical data has been stolen.  Then the lawsuits ...

Is Your Cyber Insurance a Dependable Safety Net or a Dangerous Liability?

Let’s take a walk in the dark.  Sound unsettling?  Maybe, but hey, in countless horror movies a character at some point walks into their home and DOESN’T TURN ON THE LIGHTS.  It works out for them, right? WRONG. With a ...

Why Your Cyber Insurance May Fail

Think Your Cyber Insurance Will Save You? Think Again. Imagine your company just got hit with a ransomware attack. Files are locked, operations are at a standstill, and the clock is ticking. But you’ve got cyber insurance, right? No sweat. ...

Cyber Security Insurance Policy Audit

In today’s digital landscape, businesses face a constant and evolving threat of cyber-attacks. To mitigate potential financial losses from data breaches, hacking incidents, and other cyber threats, many companies invest in Cyber Security Insurance. However, having a policy isn’t enough—ensuring ...

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